Federal credit union · Phoenix, Arizona · NCUA charter #15847
U-haul
Health score 47/100 (Below Average) - from the NCUA 5300 Call Report, 2025Q4.
- 47
- Health / 100
- $6.5M
- Total assets
- 3,785
- Members
- 6.2%
- Net-worth ratio
U-haul - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #15847, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
U-haul - Five Health Pillars
This credit union's pillar breakdown: five 0-100 sub-scores below, which weight-and-sum to the headline health score above. Same underlying NCUA 5300 figures throughout, no normalisation tricks.
- Capital (net worth ratio)55
- Asset quality (delinquency)42
- Earnings (ROA)0
- Member growth71
- Liquidity (loan-to-share)66
Weighted composite: 47/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This institution's 6.19% net worth ratio sits below the NCUA's 7.0% well-capitalized threshold.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 6.19% | 30% |
| Delinquency Rate | 2.33% | 25% |
| Return on Assets | -4.60% | 15% |
| Member Growth | 1.37% | 15% |
| Loan-to-Share Ratio | 44.09% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $6.5M | 3,785 |
| 2024Q4 | $6.8M | 3,734 |
| 2023Q4 | $7.9M | 3,812 |
Credit Union Details
- Charter Number
- 15847
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $2M–$10M
- State
- Arizona
- City
- Phoenix
- Data Quarter
- 2025Q4
What This Data Says About U-haul
The five-factor composite scores U-haul at 47/100 (Below Average), reflecting a net worth ratio of 6.19% - relative to the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. This federal credit union, headquartered in Phoenix, Arizona, reports 3,785 members, $6.5M in total assets, and $2.6M in outstanding loans as of Q4 2025 under charter #15847 (peer group $2M–$10M, a cohort of 566 similarly-sized institutions).
Two more numbers round out the picture: a 2.33% delinquency rate (loans 60+ days past due against the total book) - the peer group average for $2M–$10M credit unions sits at 1.809%, so this institution is running looser than peers - and a 44.09% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Return on assets stands at -4.60% on net income of $-300178 for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by 1.37%. The institution reports against the NCUA 5300 Call Report on a quarterly cadence; the figures above reflect the 2025Q4 reporting period. Membership eligibility depends on the stated field of membership (currently: Community). See our disclaimer for NCUSIF deposit-insurance coverage and how to use this data before opening any account or borrowing.
Nearby Credit Unions in Arizona
More federally-insured credit unions based in Arizona, ordered by peer group match and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is U-haul financially healthy?
U-haul has a financial health score of 47/100 (Below Average) based on NCUA 5300 Call Report data as of Q4 2025. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 6.19% and delinquency rate of 2.33%.
How does U-haul compare to other credit unions?
On PlainCU's health composite, U-haul lands at 47/100, compared to a peer group average for $2M–$10M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join U-haul?
U-haul operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact U-haul directly for the exact boundaries and application steps.
Is my money safe at U-haul?
Federal credit unions like U-haul are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. U-haul's net worth ratio of 6.19% is relative to the 7% threshold NCUA considers "well capitalized."
What rates does U-haul offer compared to banks?
Credit unions like U-haul are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact U-haul directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.